How long does it take to touch up photos in PS or other apps?
That depends on how much you want to modify your image. But, generally, the L1020 takes decently good photos with the settings in full-auto, so a few adjustments in light balance (the most common adjustment I make with L1020-taken shots) should take less than a minute or so per image in PS. If you're into adding more effects
onto your image, then it would definitely take more time - I used to spend 5-15 minutes adding effects to photos, but again that depends on how much modifications you're going to do. The GOOD NEWS is that "photo bombers" can be easily removed with Nokia's Smart Cam in SECONDS, compared to the traditional methods in PS. Also, Nokia's Smart Cam, as with most apps in the Store, can render effects
onto the image in SECONDS in the L1020. The (slightly) BAD NEWS is that most (if not all) of these effects are applied on the lower resolution (5MP) copy of the image, so if you would like to edit the higher 34 or 38MP image, the traditional of copying your image name_highres.jpg file to your laptop/desktop and then PS may still be your best bet*.
* - I might be wrong here: that not all apps have access to the higher resolution images taken by the L1020. In my experience only SoZoom and Zoom (aside from Nokia Camera and the native Windows Camera app of course) were able to access the higher resolution images.